Employee Benefits For Houston Businesses
EMPLOYEE BENEFITS FOR HOUSTON BUSINESSES.
Group health, dental, vision, life, and disability for your team. I'll compare options, explain them in plain words, and help your employees understand what they're choosing.
Coverage overview
what employee benefits Cover
Every team is different. I'll help you build a benefits package that fits your people and your budget.
Group Medical
Group health plans for your team, from fully insured to level-funded options, sized for your budget.
Whole Life Dental and Vision
Dental and vision plans for checkups, cleanings, glasses, and contacts, alone or with medical plans.
Group Life
Group term life coverage for employees, with optional supplemental life they can add for loved ones.
Disability (STD and LTD)
Short-term and long-term disability that replaces part of an employee's paycheck if they can't work.
Accident and Cancer
Accident and cancer plans that pay cash benefits to help employees with costs medical doesn't cover.
Hospital Indemnity
Hospital indemnity plans that pay a set cash benefit when an employee is admitted into the hospital.
Who It's For
Small businesses offering benefits for the first time.
Owners shopping for a January 1 start.
Growing teams adding dental, vision, or life.
Employers reviewing their renewal.
Good To Know
Small group starts at 2. In Texas, small employer health plans cover businesses with 2 to 50 employees.
Larger employers have rules. Employers with 50 or more full-time employees, including equivalents, may owe a payment if they don't offer affordable coverage.
Source: Texas Insurance Code; IRS.
Link Texas Insurance Code to https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1501.htm
Link IRS to https://www.irs.gov/affordable-care-act/employers/employer-shared-responsibility-provisions
How It Works
Step 1
Tell Me About Your Team
Share your type of business, how many employees you have, your current plan, and when it renews.
Step 2
I Shop Several Carriers
I shop several carriers for you and walk you through what each quote covers, not just the price.
Step 3
You Choose, I Handle It
Pick the option that fits. I handle the paperwork, then review your coverage with you each year.
Frequently Asked Questions
COMMON QUESTIONS
When should we start shopping?
Group plans renew on your plan year anniversary. January 1 is the most common effective date, so many owners compare options in the fall. It's best to start a few months before your renewal.
What is level funding?
A level-funded plan has a set monthly cost like a traditional plan, but part of it funds your group's own claims. If claims run lower than expected, some plans return part of the difference. I'll walk you through whether it fits your group.
How many employees do we need?
In Texas, small group plans start at 2 employees. If it's just you, I can help with individual coverage instead.
Can we offer dental, vision, or life without medical?
Often, yes. Many carriers offer these on their own, and voluntary plans can be fully employee-paid.
Do you help our employees directly?
Yes. I can answer enrollment questions in English or Spanish, so your team understands what they're choosing.
OFTEN PAIRED WITH
Benefits are one piece. These are the coverages business owners often review alongside them.
Workers' Comp
Coverage for doctor visits, prescriptions, and care for your family.
Life Insurance
Personal coverage for owners, beyond what the group plan includes.
Health Insurance
Individual and family plans if it's just you, or for coverage outside the group.
TALK TO KEVIN
Questions About Your Employee Benefits?
Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.
HOURS
Mon to Fri 9am to 6pm
Helping Houston families and business owners protect what matters most, with real guidance, not just rates.
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Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.
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